Company Profile

BRAC Ghana Savings and Loans Ltd (BGSL), is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL is part of BRAC International Holdings B.V (BIHBV) which operates in seven countries across Africa and Asia.

Job Description

• Duty Station : Assin Fosu & Accra

• Visit all the branches within the area every week.
• Visit at least one group, and reconcile passbooks while visiting branches. 
• Verify and sign off schemes of loans, weekly collections, cash certificates, physical cash, bank statements, DCR, cashbooks, bill vouchers approved by Branch Managers (BMs) during branch visits. If anomalies are found in the bills, he/she should ask for explanations from the BMs and give appropriate advice for amendments. If major irregularities are found s/he should initiate appropriate actions. 
• Visit at least 3 current and 3 late overdue borrowers and ensure that overdue payments are retrieved from defaulted clients. 
• Analyze trend reports and give feedback to BMs. 
• Review audit &monitoring reports and instruct BMs to prevent irregularities from repeating. 
• Review target and achievement reports and prepare plan to reach the target.
• Document observations, comments and feedbacks in the feedback register and guide BMs to make follow-ups of those suggestions. 
• Ensure that Credit Officers and BMs are following-up on the recovery of written off loans. 

• Verify admission forms, minutes of monthly meetings, attendance registers, leave applications, leave registers and movement registers.

• Conduct meetings with all program staff.  
• Ensure that all staff are abreast with microfinance operational procedures and MF Operational Manual. 
• Meet with Branch Manager during field visits to discuss challenges.
• Resolve staff issues if any, raise staff requisitions and propose staff transfer.  
• Provide guidance to the staff to improve performance. 

• Ensure good working conditions (neatness and cleanliness) of office.
• Maintain effective communication with local administration. 
• Conduct monthly staff meetings.
• Initiate legal actions against corrupt staff through legal and compliance manager. 
• Take general supervisory roles for all programs operating in the Area.

• Make sure all MF staff adhere to the code of conduct for Microfinance staff and treat clients respectfully.  
• Ensure best quality service to clients, at the field and at the branch offices. 
• Follow up client’s complaints/concerns/opinions on branch visits and take appropriate measures and recommend changes. 
• Review client’s poverty profile and geographic targeting to ensure that client targeting is aligned with BRAC’s mission.
• Review client-level outcomes data periodically against targets and recommend changes as required.

• Establish a safeguarding culture across all level of the programme by implementing the safeguarding policy. 
• Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.
• Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure.
• Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.

Required Skills or Experience

• Preparations of Cash and Bank transaction, cash requisitions, cash certificates and bank reconciliation statements.
• Knowledge in application Microsoft Word, Microsoft Excel.
• Experience: At least 3 years of managerial experience working in microfinance/financial Institution.

• Computer knowledge on MS World, MS Excel and Internet 
• Effective communication, Writing and reporting skills in English
• 3 years working experience as a Manager of Microfinance.

• Degree/Masters
• Concentration / Major: Related Discipline